Round Up

A few cents can go further than you think. Automatically round up to qualifying debit card purchases and send the difference to your savings, or donate to the Children's Hospital Colorado Foundation.

Round Up

Put Your Spare Change To Work

Coffee. Groceries. Gas. The everyday purchases you're already making help you build your savings or support a cause that matters.

With Round Up, each qualifying debit card purchase is rounded up to the next whole dollar. The difference is automatically transferred from your enrolled checking account to a savings account you choose or donated to the Children's Hospital Colorado Foundation.

Set it up once. Keep using your debit card like you normally do. Round Up handles the rest, with no participation fee.

How Round Up Works

Getting started takes just a few steps.

Sign in to online banking

After login, go to Transfers & Payments within the top navigation, then Round Up Enrollment to get started.

Pick your checking account

Choose the eligible checking account you want to use with Round Up. You can enroll one checking account at a time.

Choose where your Round Ups go

Send them to one eligible savings account or donated to the Children's Hospital Colorado Foundation.

Use your debit card

Coffee run? Grocery trip? Fill-up? Keep making qualifying purchases with your debit card like you normally would.

Put your change to work

Round Up rounds each qualifying purchase to the next whole dollar and transfers the difference to the destination you choose.

Women using mobile wallet to check out

No extra steps. No participation fee.

See Round Up in Action

Say you make a qualifying debit card purchase for $12.37.

Purchase amount - $12.37
Rounded amount - $13.00
Your Round Up - $0.63

That $0.63 is automatically transferred from your enrolled checking account to the savings account you selected or donated to Children's Hospital Colorado Foundation.

A few cents might not feel like much in the moment. Give them time, and those small amounts can become something bigger.

Small Change. Your Call.

You decide what your Round Ups can help you do.

Couple on couch

Build Your Savings

Put a little aside as you go, without adding another transfer to your to-do list.

Send your Round Ups to an eligible AACU savings account, and your everyday purchases can help you steadily build toward whatever comes next.

If your Round Ups averaged $0.50 per qualifying purchase, here's one example of how they could add up:

5 per week - about $130 per year
10 per week - about $260 per year
20 per week - about $520 per year

Examples for illustrative purposes only. Actual Round Up transfers will vary based on qualifying purchase activity and transaction amounts.

Give A Little At A Time

Want your spare change to help someone else?

Choose the Children's Hospital Colorado Foundation as your Round Up destination. Your qualifying purchases can become small, ongoing contributions that add up over time to support the kids and families cared for by Children's Hospital Colorado.

A Little Change Goes A Long Way

Save without another thing on your to-do list.

Once you're enrolled, Round Up happens automatically with qualifying debit card purchases.

Let small amounts build.

A few cents here and there can add up over time.

Choose what matters to you.

Build your own savings or donate to Children's Hospital Colorado Foundation.

Pay no participation fee.

Round Up is a free feature for eligible AACU members.

Keep doing what you're already doing.

No new payment routine. No extra transfer to remember. Just use your debit card for qualifying purchases and let Round Up take it from there.

Ready To Put Your Change To Work?

Already Have A Checking Account?

Sign in to online banking to enroll one eligible checking account in Round Up. Then choose an eligible savings account or Children's Hospital Colorado Foundation as our destination.

Need An AACU Checking Account?

Find the checking account that fits your life. Once your eligible account and debit card are ready, you can enroll in Round Up through online banking.

Explore Checking Accounts

Frequently Asked Questions

What is the Children's Hospital Colorado Foundation?

Established in 1978, the Foundation is dedicated to advancing the mission of nationally ranked Children’s Hospital Colorado, a nonprofit pediatric health system with 17 locations.
What is Round Up?

Round Up is a free feature that rounds qualifying debit card purchases to the next whole dollar. The difference is transferred from your enrolled checking account to an eligible savings account you choose or to Children's Hospital Colorado Foundation.
Is there a fee to use Round Up?

No. There's no participation fee to use Round Up.
How many checking accounts can I enroll?

You can enroll one eligible checking account in Round Up at a time.
Where can my Round Up go?

You can choose one eligible savings account or Children's Hospital Colorado Foundation to receive your Round Up transfers.
Can I give instead of save?

Yes. Choose Children's Hospital Colorado Foundation as your Round Up destination instead of an eligible savings account.
How much could I save or give?

It depends on how often you make qualifying debit card purchases and the amount of each Round Up. Every qualifying purchase can create another small transfer, giving those amounts the chance to build over time.
Where does the Round Up money come from?
Each Round Up amount is transferred from the checking account you enrolled in the feature.

How do I enroll?

Enrolling in Round Up is just a few steps:
- Sign in to Online Banking.
- Under Transfers and Payments, select Round Up Enrollment
- Choose the checking account connected to the debit card you want to enroll
- Choose where you'd like your Round Up transfer to go: an eligible savings account or Children's Hospital Colorado Foundation.
How do I stop Round Up?

In online banking, return to your Round Up settings. Leave the "Send round ups to" field blank and submit your changes to remove the enrollment.

Disclosures

For full terms and conditions for the Debit Card Round Up Program, click here.

Debit Card Round-Up Charitable Giving Program Disclosure

By enrolling in the Debit Card Round-Up Charitable Giving Program ("Program"), you authorize Air Academy Federal Credit Union, DBA Air Academy Credit Union ("AACU") to round up the amount of each eligible debit card purchase to the next whole dollar and transfer the difference from your designated account for donation to the selected charitable recipient of your choice.

How the Program Works

For each eligible debit card transaction, AACU will calculate the difference between the purchase amount and the next whole dollar. The rounded-up amount will be withdrawn from your designated account and recorded for charitable donation purposes. For example, a purchase of $4.25 would result in a round-up donation of $0.75. Only completed and posted debit card transactions are eligible for participation in the Program. AACU reserves the right to determine transaction eligibility and to exclude certain transaction types from the Program.

Custody and Remittance of Funds

Round-up amounts collected through the Program will be held by AACU and periodically remitted to the charitable recipient. AACU will remit collected funds no less frequently than annually and may remit funds more frequently at its discretion. All donations collected through the Program are intended for the charitable recipient and will not be returned to participating members except as required by law or in the event of a processing error.

Irrevocable Donations

Once a round-up donation has been collected through the Program, the donation is irrevocable and shall not be refunded, reversed, credited, or otherwise returned to the participating member except in the case of a processing error, unauthorized transaction, or as otherwise required by applicable law. A member's termination of participation in the Program will not affect the disposition of round-up donations collected prior to the effective date of such termination.

No Individual Charitable Tax Receipt

AACU will aggregate member round-up donations prior to remittance to the charitable recipient. Unless otherwise specifically provided by AACU or the charitable recipient, participants should not expect to receive an individual charitable contribution receipt from AACU and the Children's Hospital Colorado Foundation for each round-up donation. Round-up amounts will be reflected on member account statements and/or other account records made available by AACU. Members may use these records to calculate and document their aggregate Program contributions for their own recordkeeping and tax reporting purposes. AACU and the Children's Hospital Colorado Foundation do not provide tax advice, and members should consult their tax advisor regarding the deductibility of any charitable contribution.

Reporting and Transparency

AACU will maintain records sufficient to substantiate the aggregate amounts collected and remitted through the Program and will make such information available to regulators and independent auditors as required by applicable law. Members may review individual round-up transactions through their account statements and other account records made available by AACU. AACU will publish the aggregate amount collected and remitted through the Program in its Annual Report. The Annual Report is made available to AACU members at no charge each year, typically in March.

Verification of Donations

The aggregate amount of donations remitted through the Program will be reported in AACU's Annual Report. AACU's books, records, and system records regarding Program transactions, collections, and remittances shall control in the event of any discrepancy between member estimates, account records, aggregate Program totals, or amounts reported in the Annual Report.

Errors

Members should promptly notify AACU of any suspected error relating to a round-up amount. AACU reserves the right to correct any calculation, posting, or processing error associated with the Program, including adjustments to previously collected round-up amounts where appropriate.

Affiliation and Administration of Program

The Debit Card Round-Up Charitable Giving Program is administered solely by AACU. The charitable recipient is not responsible for the administration, operation, enrollment, transaction processing, recordkeeping, collection, custody, or remittance of Program donations. Any questions regarding Program participation, account transactions, round-up calculations, account records, or Program administration should be directed to AACU. Except as may be expressly disclosed by AACU, participation in the Program does not create any membership, donor, contractual, agency, fiduciary, partnership, joint venture, or other relationship between participating members and the charitable recipient. AACU's use of the name, logo, trademarks, and other identifying marks of the charitable recipient is pursuant to authorization granted by the charitable recipient. Such use does not constitute an endorsement of AACU, its products, services, or business practices by the charitable recipient.

Program Changes or Termination

AACU reserves the right to modify, suspend, replace, or terminate the Program at any time. AACU may change the charitable recipient, eligibility requirements, transaction qualifications, or other Program terms upon providing any notice required by applicable law. Any round-up funds collected prior to modification or termination of the Program may be remitted to the charitable recipient designated at the time the donations were collected.

Voluntary Participation

Participation in the Program is voluntary. Members may enroll in or discontinue participation in the Program at any time using channels designated by AACU. Termination of participation will apply prospectively and will not affect round-up amounts previously collected before the effective date of termination.

Limitation of Liability

AACU shall not be liable for delays in processing, remitting, reporting, or administering donations resulting from system interruptions, operational issues, circumstances beyond AACU's reasonable control, regulatory requirements, acts of third parties, or other events outside AACU's reasonable control, provided AACU exercises commercially reasonable efforts to administer the Program in accordance with these terms.